You can address your two problems without dropping the bank. You should be quite able to find a bank or credit union that will hold your money without charging

You can address your two problems without dropping the bank. You should be quite able to find a bank or credit union that will hold your money without charging a fee. Where are you? You can still use cash to avoid tracking, and you can even thwart forensics by making regular uniform withdrawals. The neat thing is that patterning like this makes you less susceptible to analysis but far more susceptible to getting mugged because now we know that you pull $400 every Tuesday at 3pm. Pick your poison.